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darwin investment loan
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How To Choose A Good Investment Property Loan
By Joel Teo
Real estate investment is generally viewed as a lucrative career opportunity.
But purchasing investment property does require a significant financial backing.
Nowadays, however, the funds required to embark on a real estate investment
career are easily accessible to many people in the form of an investment
property loan. Therefore, you may begin investing in real estate, even if you
are on a shoe string budget.
Investment property loans can be broadly classified into two categories,
namely residential and commercial. Residential loan is associated with those
investment properties whose predominant use is residential, and that are
purchased for future appreciation and rental income. On the other hand,
commercial loan is acquired for the purchase of apartment buildings (with 5 or
more units), warehouses, or stores.
An investment property loan can be obtained from several sources, including
banks, financial institutions, credit unions, and private brokers. These lending
institutions analyze a borrower’s credit score, income and assets, in order to
determine if he/she is a viable candidate for an investment property loan.
A multitude of real estate investors in the US make use of an investment
property loan to acquire real estate. Doing so offers them a twofold advantage –
they can enjoy the benefits of capital growth and tax deductions. Though the
escalations are not anywhere near the boom of the late 1980s, property value
does appreciate on a gradual basis (capital growth). Another significant benefit
is that offered by “negative gearing”.
Gearing, in essence, refers to borrowing in order to invest. A negatively
geared investment property is one that is purchased using borrowed funds and
where the income (after expense deduction) from that investment is less than the
payable interest in the course of a year. This allows a significant tax benefit
for investors, as they may deduct the expense of owning an investment property
(especially the interest on the investment property loan) from their taxable
income.
Investment property loans come in various shapes and sizes, as per the
requirements of investors. They are offered as interim, short term or long term
loans. Needless to say, you must ensure that you are well aware of the terms of
the loan, such as the interest rate, the time period of the loan, and the
payment schedule.
In a gist, newbie investors need not have plethoric amounts of money to set
out on a career in real estate, since property offer a great
opportunity for them to get their feet wet in real estate.
Joel Teo writes on various financial topics relating to Ahwatukee Real Estate Investment. Signup for his free online Real Estate Investing newsletter today and gain access to the “Six Day Real Estate Investment Profits Course” now at www.realestateinvestment101.info/Ahwatukee.html
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